A married couple hired a law firm to handle a claim for damage to their home. Their insurance company went out of business and the firm was supposed to sue the Florida Insurance Guaranty Association. However, the firm filed the lawsuit a few days late. The firm knew about that mistake and other mistakes it made in other cases. However, the firm failed to tell its malpractice carrier about the possible claims when it applied for coverage. The carrier tried to deny coverage for all the claims. We litigated the case and it settled after a two day mediation involving many of the other clients harmed by the firm. The settlement allowed the clients to finish the repairs to their home and replenish the savings they used to start the repairs.